What is Personal Accident Car Insurance?

Personal accident insurance(PAI) is the least opted insurance in our country. This is due to the lack of awareness regarding the benefits offered by this product. This is also the cheapest insurance product available in the market with an exclusive range of coverage. Under personal accident insurance financial coverage is provided if the policyholder meets with death or disability.

A compulsory PA cover is an add-on cover offered by motor/car insurance providers to the owner-driver of a car that protects him against any accidental bodily injuries, and physical disabilities.

Personal accident insurance is useful to get financial assistance to you and your family in the event of an accident that leads to death, bodily injuries, temporary total disability, permanent total disability, and permanent partial disability. A personal accident cover is often included in vehicle insurance as an add-on. This rider offers protection to the owner or the driver if he or she is employed. The policyholder can claim 100% depending on the sum assured in case the accident leads to permanent loss of his or her arms or legs.

Personal Accident Insurance on Car Insurance is a type of coverage that provides financial security in the event of an accident. This coverage pays for medical expenses, lost wages, and other costs associated with an injury sustained in a car crash. It also provides death benefits to the family of the deceased if they were involved in a fatal accident. Personal Accident Insurance can be added to any car insurance policy and is designed to provide extra protection against financial hardship caused by an accident.

Car insurance covers personal belongings in India. If a car is involved in an accident, the policy will cover the cost of replacing your items. If you have a car accident, your car will be damaged or stolen and it will not be covered by your insurance policy. Your personal belongings are also not covered by your policy. Personal property coverage is usually included in the policy of a car owner who has comprehensive coverage for the vehicle.